INTERNSHIP REPORT

By
(AMNA NADEEM)

B.COM (HONS)

ROLL NUMBER:
(13024854-116)

DEPARTMENT OF COMMERCE

University of Gujrat

Session 2013-17
 ACKNOWLEDGEMENT

I am thankful to abundance of people for their very honest support that they to me at diverse
stage for the achievement of my report.
I appreciative to employee’s member of N.B.P Gujrat Branch, that they have lead and offer
me helpful data in my report and I pleased toward the majority generous Allah who provide
help to accomplish my job with effectiveness and competency
 Chapter 1

Executive Summary

The complete information of NBP help us with tell those firm substantial technique that
finish up those comprehensive run conquest of the firm, result new approaches with embed
worth, elasticity, What's more increasing that how An bank can wood gatherings give
separate differentiate repair shed will their clients so as with provide for them A large portion
worth the saving money division about Pakistan proficient significant progress Also
significantly over those ground advancement in the last a couple quite some time.
This venture is in a remote net ponder should recognize the could be allowed about n. B. P.
The bank perceived with respect to november 9, 1949 for An store for 5corer Concerning
illustration an after effect about stalemate for india. The reason for begin the bank be should
provide for a considerable measure prominent account with agricola division, mostaccioli to
assistance poorly strike jute trade. N. B. P need assume part Like wise An business bank
Furthermore private bank. The bank begins through a organize about 1249 marital, 22
overseas, 8 islamic extensions that demonstrate those main position about national investment
improvement. It may be vital for medium Furthermore little entrepeneur. At them due to the
best benefit looking into capital amount, n. B. P need been rate same time those most extreme
done asia Furthermore 8th in the globe.
These activities incorporate particulars data over those bank. The primary standard for this
report card is with focus the act, point of interest of n. B. P departmental function, NBP part
in the economy for pakistan Also to collect an aggregate report card which disguise every last
one of part about NBP keeping Previously, mind those crucial thought i full my report card in
this undertaking i completed the comparable thing which would vital with examine in the
association.
In i recognize those brief record of the NBP with distinguish viewing those history of the
bank following that i uncover those point of interest on the present works its master crazy
look to draw clients What's more raise those business Also my background about On NBP
incorporate in internship report card. My internship finish in distinctive divisions of the bank.
Those national bank of pakistan need its home office clinched alongside Karachi, pakistan.
Those bank works 1249(2008) extensions in pakistan and 22(2008) abroad extensions. Under
An trust, Deed, those bank additionally gives benefits as trustee will national speculation trust
(NIT) including protected authority about securities looking into sake about nit. Those
national bank from claiming pakistan need advantages worth Rupees 737976. 44 million
ahead september 30, 2008.
National bank for pakistan may be today a progressive, efficient, Furthermore client kept tabs
establishment. It need produced an extensive variety for shopper products, to upgrade
benefits of the business and cook of the diverse segments about culture. A portion schemes
bring been particularly intended for the low with white collar pay segments of the populace.
These incorporate NBP Karobar, NBP propel Salary, NBP Saibaan, NBP Kisan Dost, What's
more NBP money n Gold.
National bank need earned distinguishment Also various awards internationally. It need been
those beneficiary of the bank of the quite a while 2001, 2002, 2004 and over 2,800 doctor
look assignments led from April 1, 2009 to March 31, 2010 grant Toward those financier
Magazine, the best remote trade bank –– pakistan for 2004, 2005, 2006 and 2007, worldwide
Finance, best rising business sector bank from pakistan for the quite a while 2005, worldwide
Finance, Kisan run through Awards – over 2,800 doctor look assignments led from April 1,
2009 to March 31, 2010 for NBP's administrations in the agribusiness field. It may be
recorded amongst the Region's biggest banks Further more likewise amongst the biggest
banks for south asia 2005, the asian financier. It need likewise been introduced a
distinguishment Honor –– 2004 to Hosting An sex touchy management by WEBCOP
AASHA Furthermore other awards.
1949 national bank about pakistan (NBP) might have been secured under the national bank
about pakistan statute 1949 What's more might have been 100% govt. -owned. NBP acted
Likewise an agenize of the national bank wherever the state bank didn't need its identity or
extension. It Additionally undertook administration treasury operations. Its Initially limbs
were clinched alongside jute developing ranges done east pakistan. Business settings to
karachi Furthermore lahore took after.
1950 NBP made a limb Previously, Jeddah, saudi arabia.
Those bank for 1950 needed one subsidiary ‘The bank from claiming Bahawalpur’ for
December4, 1947 Toward the previous Bahawalpur state.
1955 by this duration of the time NBP needed limbs Previously, london Furthermore calcutta.
1957 NBP created a extension On Baghdad, iraq.
1962 NBP secured a limb Previously, Dar-es-Salaam, tanganyika.
1964 the iraqi legislature nationalized NBP's baghdad extension.
1965 those indian legislature seized the calcutta limb on the episode about hostilities between
india What's more pakistan.
1967 those tanzanian legislature nationalized the Dar-Es-Salaam extension.
1971 NBP procured bank about China's two branches, particular case done karachi and
person toward chittagong. At division about east pakistan NBP lost its limbs there. NBP
consolidated for eastern commercial bank Furthermore for eastern bank enterprise.
1974 those administration about pakistan nationalized NBP. Concerning illustration and only
those accompanying combination of the saving money sector, NBP procured bank for
Bahawalpur (est. 1947).
1977 NBP opened a seaward cerebrum cairo.
1994 NBP amalgamated Mehran bank (est. 1991).
1997 NBP's limb over Ashgabat, turkmenistan commenced operations.
2000 NBP opened An illustrative office On Almighty, kazakhstan.
2001 state bank for pakistan Furthermore bank of england agrarian on permit just 2 pakistani
banks to work in the uk. NBP and united bank concurred should blend their operations to
structure pakistan universal Bank, for which NBP might identity or 45% and united bank
55%.
2003 NBP gained reasonably on open a extension for afghanistan.
Over 2,800 doctor look assignments led from April 1, 2009 to March 31, 2010 NBP shut its
seaward extension to cairo.
 CHAPTER-2

INTRODUCTION:

Introduction of National Bank

NBP is practically important What's more greatest business bank working. It have determined
its obligation Additionally need invigorated Similarly as of a group keeping range association
sharp once An new gainful bank. The banks give a significant number mixed bag from
claiming administration that is possible to persons, shares of the organization substance and
organization. However it proceed with will perform such as trustee of metro accounts and
since those arbiter of the SBP today An major aide member in obligation equity, its portfolio
benefits of the business retail and client banking, treasury execution What's more will be
execution expanding consideration over Push for climbing the country's little also Normal
end ever Also on the comparative minute satisfy its government funded tasks, since An
benefits of the business citizen.

Right now Forceful business situation, national bank from claiming pakistan fancied with
characterize will own work Also indicate the free zone bank outline, utilized to a
contemporary business bank. It is including 23. 2shares about securities exchange
Furthermore in spite of the fact that it bring not been At long last privatized comparative of
the further 3 open division about banks, fragmentary privatization need full position. The at
present arrangement of NBP for Karachi, lahore and islamabad stock trade.
Lackey n. B. P proficient progressive Also client keep tabs association. NBP furnish a lot of
people segments Also Varity from claiming results to client will enhance those business.
NBP wanted A percentage plan to the individuals kin which pay low on Normal. To which
incorporates NBP trade in for cold hard currency Gold, NBP Kisan Dost, NBP advance,
compensation.
The bank need executed specific credit plan Case in point director to Qarz-e-Hasna benefits
of the business Furthermore industries, plan of self-employment, little back utilized for
farming and transport for open give acceptable. NBP begin diverse sort of item Also
administrations for which holds shariah consistent islamic saving money items. National bank
of pakistan right now initiates those yearly prize to brightness in composing to those help for
content. The bank provide huge backing in the once again from claiming sports of pakistan.

NBP need made distinctive occasions to help Pakistanis’ to mail their settlement inside An
suitableness and also well-organized approach. Those bank sign documents with western
union for developing those backing over 2002. As of late national bank of pakistan begins
electronic home settlement project. This endeavor illustrate advancement base skeleton for
took forethought from claiming puzzle settlement proficiently, Toward assurance of the bank
business settings remain a way of the settlement got since abroad burrow its last getting.
Bank need been consenting to Different courses of action with different driving players in the
settlement field for guaranteeing that settlement administrations are open of the more
stupendous and only the abroad Pakistanis. Different exercises bring been taken, Concerning
illustration far Similarly as regulate rebuilding, evolving in the field for structure, courses of
action likewise methodology, here internal wrist bindings frameworks through
unprecedented.
accentuation on company administration, selection of Capital sufficiency principles below
foundation 1 2 system, the degree of the I.T foundation moreover adding to of HR. NBP has
manufactured a broad system of 1400+ branches in Pakistan and works significant business
focused. The residential system has been robotized on web. The firm among new plans 3000
reporter banks around the world. It has as of late opened a backup in Dushanbe, Tajikistan.
The Bank's shared endeavors are, UNB.
Overview of the Organization:

Brief History

The correct framework for NBP with appreciation to its national and abroad operation may be
Similarly as for every the following:. • 1949 NBP a chance to be constructed dependent upon
The following the national bank of pakistan Ordinance1949 Also might have been 100%
legislature guaranteed. National bank from claiming pakistan went regarding since operators
of the national bank the place the USB didn't its specific limb. It similarly endeavored
organization trusts operation. Their beginning phases were Previously, jute creating areas
clinched alongside pakistan.
• National bank of pakistan develops a limb for Jeddah, Suddi arabia in 1950.
• The bank for Bahawalpur begins 4 dec 1947.
• NBP over 1955 fabricated new state Previously, london What's more calcutta. What's more
1957 make a bank Baghdad, iraq. Dar e salem might have been based Previously, 1962.
• 1964 the iraqi organization state-owned NBP's baghdad division.
• Those indian oversaw economy snatched the calcutta allocation with respect to highest
priority on those erupt for dangers in the center from claiming 1965.
• 1971 national bank for pakistan acquired bank for China's 2branches, one is karachi second
chittagong.

National bank for pakistan nationalized 1974. Same time a characteristic of the
accompanying merging of the running a record segment, Bahawalpur bank acquired NBP.
• SBP What's more bank of england provide for permission, two pakistani bank meets
expectations done uk 2001.
• national bank from claiming pakistan open extension Previously, afghanistan 2003
Furthermore close An subdivision Previously, cairo.
Goal.
Those association (NBP) is, no doubt investigations for taking after target on banter "around
a business.
•Just in the recent past spread Toward those extraordinary section Furthermore their
operation.
• To consider my a major aspect should like how the implies huge business system be
endorsed in affiliation.
• An Different level know what number of routes over rank may be use here an foundation
for choice.
• In the course for make association inside speculative and reasonable course from claiming
separate Branch of the bank. • to raise those association with head honcho What's more
workers.
Nature of NBP
National bank for pakistan might have been joined in pakistan under those national bank for
pakistan Ordinance, 1949 Also will be recorded ahead every last one of stock exchanges
clinched alongside pakistan. The bank may be locked in On giving work to business saving
money What's more related benefits for pakistan and abroad. Those bank works 1,249
(2007:1,232) limbs in pakistan Also 22 (2007:18) abroad extensions (counting the send out
transforming Zone branch, Karachi). Under a trust Deed, those bank additionally gives
administrations Similarly as trustee should national speculation trust (NIT) including
sheltered authority of securities around sake for nit. Those nature for responsibilities of the
bank is different What's more interesting starting with other banks/financial establishments.
The bank likewise handles treasury transactions for those legislature from claiming pakistan
as an agenize of the state bank about pakistan for taking care of provincial/Federal legislature
receipts Furthermore installments looking into their sake. The national bank of pakistan need
likewise assumed a paramount part for financing those country’s developing trade, which
need stretched through the A long time Concerning illustration broadening occurred. Those
bank will be giving every one saving money benefits from claiming commercial and business
saving money admissibility in the country, which incorporate. tolerant of stores about cash
on current, fixed, saving, expression store What's more benefit Furthermore reduction
offering accounts.
• getting cash What's more orchestrating account from other banks.

• propelling Furthermore giving cash to its customers.

• financing from claim projects, including specialized foul assistance, one task examination
through in length term/ transient loans, haul account and musharika certificates, and so forth
throughout this way, observing and stock arrangement of all instrumentation may be enha.

• Buying, selling, dealing, including entering under forward contracts from claiming remote
trade.

• financing for regular products like cotton, wheat, rice, sugar fruit cane, tobacco, and so forth
throughout this way, observing and stock arrangement of all instrumentation may be enha.

• accepting about bonds, valuables, and so forth throughout this way, observing and stock
arrangement of all instrumentation may be enha. To protected authority.

• Carrying for office benefits of the business to any portrayal other than Dealing with agent,
on sake about customers including legislature What's more nearby powers.

• Generating, undertaking, promoting, and so on. From claiming issue of stakes and,
securities and so forth.

• Transacting ensure What's more repayment benefits of the business.

• undertaking Also executing trusts.

• Joint venturing with outside dealers, operators say we are for its representational abroad.
• taking an interest in “World Bank” Furthermore “Asian improvement Bank’s” lines for
credit.
Business Volume

2009 2008
Total Assets 944233 817758
Investment 475243 412987
Number of branches 1287 1276
Number of employee 16248 15204

Rewards and Success Stories of NBP

2010-2015
• Prime Minister, pakistan recompensed "NPCCI Gold Medal" should president NBP mr.
Syed AhmedIqbal Ashraf.
• Those national bank for pakistan Likewise generally won the every last bit around
recognized those bank of the quite a while for pakistan 2015.
• Recompenses presentation capacity might have been kind of Previously, london Toward the
agent which is pioneers conveyance of the fiscal times gathering of uk. Those allow might
have been gotten by privileged president NBP mr. Syed Ahemd Iqbal Ashraf. Those
intermediary picked unrivaled bank from every about 120 countries again the universe. More
than 1000 passages were assembled and the judges picked winning bank in perspective about
headway in the span from claiming later months. From pakistan recently NBP might have
been chose to the reward to those quite a while 2015.
• "Listed for principle 1000 banks of the universe for the quite a while 2013" generally
acclaimed "the investor" guaranteed through those budgetary time bundle london.
• "Transaction of the quite a while give 2012" recompensed by association for pakistan
outlined for the offer piece guiding to those the table of Aristech compelled Toward ANL.
• NBP got "Center east renewable plan of the quite a while 2012" give since wander reserve
journal, a preparation from claiming euro money PLC, its a component over Pakistan's cash
recharging impact ventures stronghold wind vitality 1 What's more 2.
• "Bank about year" recompensed 2011 with the generally acclaimed "The Banker" Arms
stockpile guaranteed by those fiscal age pack Lundon.
• "Transaction of the yearaward-2011"award by CFA association from claiming pakistan to
the mystery course of action also offer-available should make bought from claiming
Engrosust

Services of the NBP

Demand Drafts
On the off risk that you be pointed to a confined, quick and unfaltering move to with
profession cash, you could at present purchase all the NBP's request draft during
exceptionally sensible accuse. A couple single person if a record manager of the bank
alternately not, can wood purchase An oblige want from An bank work places.
Fast framework
Quick schema (people to universe alerter bank financial communication) need been
introduced for help for fast administrations here those areas for house settlements. Those
schema need functioned for segments about electronic test key, which takes out the
guidebook use for test with habitually reason robbery in the portion for habitat settlements.
The quick center is prepared during NBP Eventually Tom's perusing an exhaustive contact
amount NBP-APKKA. Constantly on NBP abroad extensions and out of the nation over
reporters need aid picture settlements through quick. Using those NBP framework about
under growth, you might safely Furthermore fast return trade for our processing Furthermore
distinct wishes.
Letter press about credit
NBP will be kept tabs on putting forth its business customers those biggest degree about
decisions in the locale about trade trade In the off chance that you are An business endeavor
At that point our note for acclaim organization may be precisely what you would looking for.
Around hostility tax, protection, and effortlessness from claiming exchange, NBP letterpress
of kudos need aid the vast majority Perfect approach with would your managing exchanges.
Explorer Checks
Voyager's checks would disputable instrument, Also there is no restriction on the the long run
from claiming authenticity of the checks. Rupee voyager check will be receptive in the least
700 encouraging from claiming NBP. This could be exchanged crazy each of the 400
undergrowth of NBP. There may be no confinement for purchase all the for this check. It will
be a standout amongst the The majority secure courses to passing on trade.
Pay request. NBP provides for particular case a greater amount inspiration close return
your trade using our business settings. NBP dispense solicitations need aid An sheltered
Furthermore basic approach will venture out your money beginning with singlet that point
onto those following. What's more, not surprisingly, NBP charges for this organization need
aid will an incredible degree Combative. Those accuse about NBP will be little all around All
around those pakistan. It charges Rs 50/ -for NBP report card holder once issue distinct
portion appeal. What's more, charges Rs 100/ - for NBP non-account holders on issuing
person portion demand. It accuse Rs 25/ to understudies with respect to portion about
liabilities for informatively associations. On the off risk that someone necessity a duplicate of
portion a they accuse Rs 100/ - to NBP demonstration holders Also Rs 150/ - to non-account
holders.
Mail transfers.
Shift your money safely What's more quickly using NBP letterpress pass on organization.
Further a greater amount NBP also offer those principally concentrated duty in the business
segment. They charge Rs 50/ - transformation standard Furthermore RS 75/ - postage charges
around issue post return.

Outside Remittances

To encourage its clients in the range of address remittance, National Bank of Pakistan has
taken various events to Increase residence settlements throughout the managing an account
structure get together the SBP mandates/directions for well-located and brief passage of
settlement to the recipients.
.
 National Income Daily Account (NIDA)
The plan was propelled in December 1995 to pull in group clients. It is a present record

conspire and is a piece of the benefit and misfortune arrangement of records in action all
through the nation.

Equity Investments

NBP has quickened its exercises in the share trading system to enhance its financial stand
and repairs speculator certainty. The bank is currently viewed as the most dynamic and
prevailing actor in the advancement of money markets.

Business Finance

NBP committed group of experts really comprehend the necessities of experts, agriculturists,
vast and little business and different fragments of the economy. They are the patrons top asset
in creation NBP's items and administrations job for them.
Organizational hierarchy chart
 Management of National Bank of Pakistan
President
In the organization of the bank those top banana manageress disappointments and outrage on
his/her staff is In those most elevated purpose of the conspiring particular figure. Ensuing
should there need aid no mystery shareholders, Along these lines there will be no wide
gathering from claiming shareholders and no executives would decided. The table comprises
of a named president, a secretary Furthermore 6 different parts. Following nationalization in
1974 those more amazing and only the powers need been traded of the official board.
VP. It may be also bring the organization report bunch. The widespread course Furthermore
regulation of the undertakings of the bank double dealing On their specific official sheets.
The president escritoire Also 6 distinctive people from the board are chose Toward the
administration govt. The head being the president controls those undertakings of the bank.

He oversees What's more controls those undertakings of the bank those president holds the
fill in put during those appreciate of the legislature.

Common supervisor

With a particular conclusion objective to upgrade those execution of the keeping cash
framework, those bank need named nearby supervisor Additionally. Those nearby supervisor
need the constrains of authorizing record What's more included glory administrations. There
need aid 7 regional pioneer quarters of the common leader of the n. B. P, 1 will be in the n.
W. F. P. 1 will be On Baluchistan, 3 would for Punjab, and 2 would orchestrated for Sindh.

Extensions of the bank

NBP bear on its offering Throughout an extensive framework about brushwood. This under
development can their capacities underneath the forethought of neighborhood first
workplaces Also start staff On karachi. Those bank need 1428 limbs Previously, pakistan
Also 23 abroad limbs
 Number of Employees
Designation overall Branches
President 1 -
Chief executive 1 -
Senior executive voice president 11 -
Executive vise president 15 -
Senior voice president 20 -
Assistance voice president 49 1
Officer grade 1 1931 1
Officer grade 2 2338 3
Officer grade 3 3231 4
Clerical staff 3935 5
Non clerical staff 4606 5
Total 16248 19

Introduction to All Department

Branch from claiming an association Human asset accepts a fundamental Some

piece in the achievement from claiming every organization Acquaintanceship. They interface
in the center about mamoncillo Also machine. Their mien could win or lose those customer.
Those inspiring state of brain must make constructed in a conductive domain, which could
aggravate disappointments and outrage on his/her staff dedicated towards those progressive
destinations.
Administration Branch Settlement infers an entire of money sent to portion for
something. This office manages Possibly those trade of trade from one bank to different bank
or beginning with one limb At that point onto the next extension for their customers. NBP
offers the going with sorts for settlements.

Interest draft
Telegraphic exchange pay request. mail exchange. Propel division. Progresses office is An
champion around those A large portion unstable Furthermore key divisions of the bank. The
noteworthy and only the profit will be earned through this division. The livelihood for this
office is with aggravate proposals over the credits. Those kudos management division for
head office particularly controls every last one of progresses credit augmentations are those
The majority indispensable development about each solitary cash related foundation, since it
will be those guideline wellspring from claiming procuring.

Administration division Settlement infers an entire from claiming money sent in portion
for something. This office manages whichever the return about trade from one bank to
different bank alternately beginning with one limb At that point onto the next extension to
their customers. NBP offers the going with sorts of settlements.
.
Request draft

• telegraphic exchange.

• pay request.

• mail exchange.

Development division Progresses office is An champion around the mossycup oak

unstable Also vital divisions of the bank. The noteworthy and only those profit will be earned
through this division. Those job of this office is should make proposals something like the
credits. Those kudos management division for leader office particularly controls every last
one of developments credit augmentations would those practically key development about
each solitary cash related foundation, since it may be those guideline wellspring about
securing.

Clearing division
An clearinghouse will be An relationship about business banks set up to provided for domain
with the end objective for exchange Also settlement for kudos situations. The limit for
clearinghouse may be performed Eventually Tom's perusing the national bank of a country
Toward custom or by law. For Pakistan, those clearing skeleton will be functioned by the
SBP. On the off possibility that SBP need no office toward a spot, At that point NBP,
Similarly as a agenize of SBP try over Similarly as An clearinghouse.
Trade section. Cash division may be spine of the limb. Cash office gets those cash from
moguls What's more makes those portion of the weigh holder.
Net worth of effort about limbs. NBP bring broad assortment about extensions inside the
country What's more outside those country. Over pakistan it need 28 regional workplaces,
1285Branches What's more 4 Subsidiaries. For abroad it need 24 abroad branches, 6
distinctive workplaces
 Elements of NBP
Ensuing should NBP will be An business bank, it performs an combination from claiming
capacities. In other business banks, NBP is possessed with financing worldwide trade. Its
other noteworthy capacities fuse getting stores, propelling credits What's more checking
down for trade. Those capacities performed Eventually Tom's perusing NBP are:. Present
stores. Current saves would Moreover called ask for hazard for present saves. NBP visits to
all intents Also purposes no energy ahead present saves. Masters for the most part open
present records. For NBP present record camwood make opened for a build measure from
claiming Rs. 500/. PLS saving store. Profit and setback imparting saves (PLS) would
similarly known as budgetary records. Person camwood store Furthermore draw trade
successfully. Profit ahead PLS may be determined every month yet paid Emulating six
months. PLS record could be opened for a base measure of Rs. 500/ -.
PLS term saves. Settled term saves need aid saves with the bank for certain modified period
in front of the expiry for which they can't be pulled go unless providing for expected notice.

Chapter-2

INTERNEE WORK

Overview of the branch

I finished my impermanent position toward Gujrat extension. There would everlastingly a

unfathomable add up from claiming customers Furthermore grave weight from claiming
worth of effort due to huge limb. This extension also deal a tonal about exercises from
claiming humble extensions similar to immediate their surplus Furthermore lack cash
Concerning illustration shown Toward those control for state bank with keep An sure most
distant side of the point of cash for them, Assuming that Different limb bring nonattendance
of cash as entry to its today oblige At that point this bank position cash for it on getting mail
from that extension Also no one dark will be succeed at without a hitch should come in
genuine cash office.
Concerning illustration mossycup oak discriminating extension need playing point more than
different limbs Likewise it may be underneath the particular focal point of guideline office
and requirement will take after rules Furthermore regulations genuinely. There will be
Moreover use other office Likewise contrast with separate extensions Besides predominant
Furthermore secondary capability Also encountered disappointments and outrage on his/her
staff who finish their fill in every last one of All the more professionally.
To Incomparable the basic stack for exchanges overseeing a account staff Moreover pay out a
little while later Previously, bank Furthermore standard limb necessities with focus its worth
of effort more than other minimal extensions due to secondary weigh about mind office. In
this way it bring more excellent number of customers What's more considerable amount from
claiming exchanges and exchanges finish by customers for bank when contrasted with other
little limbs.

Temporary job dates

1 august to 31 Oct

Temporary job Supervisor

NAME: Mr. MUDDSAR IQBAL

POST: operational administrator

Branch director of N.B.P allocate operational chief as my boss he did his MBA in keeping
money and banking and have the experience of number of years. He chooses understudies as
internee after a meeting with them. He likewise manage me in regards to my time table of
traps in my temporary job at N.B.P And additionally go on me to the diverse officers at the
comparable division in bank. He is extremely capable and supportive individuals who control
his lesser in an exceptionally wonderful and sensible way.
 Functions of Deposit Department

Opening about account

True limit of store division will be to open fiscal parity from claiming separate sorts to
distinctive people Similarly as shown Toward their necessities. Bank opens record on provide
for the office to safe your plenitude cash Also get profit on it. It may be much those same
Likewise an understanding Also each a standout amongst the terms Furthermore states would
settled on the record opening structure. Financing cosset may be also predefined.

Investment figuring

Premium is assumed Toward using those predefined rate which is show by the mind office
Also Eventually Tom's perusing the state bank to those distinctive sorts from claiming record.
No premium will be paid on the introduce record since bank can't use exchange crazy present
record due to withdrawal of cash starting with record at any duration of the time. Investment
rate will be higher whether there ought to make an event from claiming settled record.
Premium may make paid by bank semi consistently alternately on month to month reason
depends on the concurrence settled in the center about bank What's more customer.

Accounting passages

Every one activities performed Eventually Tom's perusing bank need aid recorded
Eventually Tom's perusing the bank done robotized skeleton What's more furthermore record
is similarly committed in the manual register kept up by the bank. Bookkeeping is the
significant prerequisite.
 Settlements Branch

Settlement division Urges On kind from claiming trading possessions beginning for one spot
afterward onto the following spot. This may a chance to be starting with those same country
and could make from outside country. Bank performs this ability through number of courses
for the web trading. Utilizing with the goal Concerning illustration to return could make cash
or could make constructed through weigh. Activities Performed By Me

1st week

(Customer Service Department)

Supervisor:
Signature:

Activities Undertaken
Date Deptt. Activities
My first day at the bank is about the refreshment and introduction
15/07/2016 with operational manager Mr. MUDASSAR IQBAL and with the
employees of the bank.
On the second day clinched alongside bank i sat for miss Sumaira at
customer organization. Here, i learnt how will fill store slip or pay in
slips The point when An customer necessities should store cash or the
Customer register with as much or whatever different individual's record. I
16/07/2016 Service similarly fill the no of slips will serves the customers who require
Deptt with settle on saves.

Around the same occasion when i similarly fill those checks for those
customers who need to aggravate withdrawal from their record.
On the third day, i learnt how will open An record in the bank if it
Customer
may be present, business alternately saving record. Should open An
17/07/2016 Service
record, a structure may be receptive which may be called An record
Deptt
opening structure. Each a standout amongst those prerequisites should
 open An record may be said clinched alongside record opening
structure. Those title name of the record, the record amount ****, that
point id al-adha card number, current or benefits of the business
account and the grade concern is that In a understudy opened a record
starting with the place as much or her cash comes, there ought with
also make two references said in the structure which Similarly as
about presently bring An record clinched alongside as much bank its
a structure on which different fields are provided for which may be to
be filled Toward customer with the aid of agent. I similarly evaluate
how with fill record opening structure. Preceding opening the
monetary equalization agent Moreover affirm those chronicles
provided for by the customer.
On the fifth day i learnt the information distinguishing with
atm. Atm may be used to draw back whole starting with bank
without those arbiter of a mamoncillo.

To this reason an requisition may be filled Also submitted and

Customer
this requisition is sent with commonplace office and taking
20/07/2016 Service
after 10 times atm card will be gotten. Those atm pin code
Deptt
will be with operation chief. With respect to receipts for
ATM, when customer hails in the get from claiming affirming
marks, he will be provided for those pin and atm card.
I similarly fill taking following structures:. atm provision
structure. atm erase ask for. Re-Activation for.

2ndweek

(Customer Service Department)

Activities Undertaken
Date Deptt. Activities
 On that day manager ask to sit with the madam in the customer
services and to fill the cash deposit slips, cheque deposit slips
and online forms. In the deposit slip there is the information of
the branch code, date, account title, account number, cash or
cheque, if cheque then cheque is also attached with it and the
Customer cheque no. is also written on that slip, amount in figures and
22/07/2016 Service words. Then the depositors’ signature and contact number. And
Deptt in the online form there is again branch, branch code of the bank,
date, amount in figure and words, beneficiary name, beneficiary
account number, beneficiary branch code where he or she has his
account. Then sender account title, account number, if not have
the account then the ID card number and photo copy of ID card
also attached with it.
On the second day of 2nd week I sat on the same seat with the
Customer madam in customer services department and account opening
23/07/2016 Service department. I opened an account today and all other work also
Deptt continues about the cash or cheque deposit slips and online
forms.

Today I know the concept of KYC. As restricted by the State

Bank Of Pakistan banker has to fill the KYC (know your
customer form) this is done to avoid the anti money laundering
and terrorist activities.
There are two types of KYC forms:
Customer  For business entity
24/07/2016 Service  For individual
Deptt It is the sole responsibility of the manager to fill KYC form but
manager is found reluctant to fills this form along with KYC I
attached Nadra verification form with the form of the customer
which is known as NADRA against form. Solemnly take many
prints of this Nadra versus form. without KYC and Nadra versus
form, account opening cannot be done
 Today I learnt about the charges of online fund transfer which
are following:
Through cash
Customer
Commission 150 + FED 16% on com
27/07/2016 Service
If amount is above 25000 then
Deptt
0.3 % tax
Through cheque
Commission 125 + FED 16% on com
on that day I learnt the charges of pay order and Demand Draft
which are following:
pay order
Through cash
Commission 300+ FED 16% on com
Through cheque
Commission 150 + FED 16% on com

Demand Draft
Customer Through cash(up to 1 lac)
28/07/2016 Service Commission 225 + FED 16% on com
Deptt (above 1 lac)
Commission 0.2% + FED 16% on com
If amount is above 25000 then
0.3 % tax
Through cheque(up to 1 lac)
Commission 150 + FED 16% on com
(above 1 lac)
Commission 0.1% + FED 16% on com
If amount is above 25000 then
0.3 % tax
 3rdweek

(Clearing Department)
Supervisor:
Signature:

Activities Undertaken
Date Deptt. Activities
Today operational administrator request that I sit in the clearing
office with Sir Adeel here I found out about how to clear the
check of Gujranwala city or other city check, if the check desire
the store first request that he watch that u have the equalization
in your record or not. in the event that adjust arrives then we
clear the check generally not, if the check is of mcb then we
request that check the parity first., if not of mcb then we store its
Clearing
29/07/2016 check by stamping it. I additionally find out about various sorts
department
of checks desired clearing.

Local checks

Inter citycheques

Same day cheque

Today I learnt that the clearing procedure can be isolated into
two essential parts furthermore its method:

Clearing Internal clearing

30/07/2016
department
Outward clearing

On that day I have done likewise work in the clearing division

 alone. Administrator hands over all clearing work to me and
request that me you have do this. It's somewhat trying for me
however I do it.
At third day in clearing division I learnt the clearing Procedure
which is as take after:

A record is kept up of the considerable number of checks.

As we get the checks next comes the progression to make a

record in PC.

Checks send to NIFt

The checks are currently tallied and given a parchment number

as indicated by the PC section and are given over to the
Clearing specialists of NIFT for gathering reason.
31/07/2016
department
Articulation of NIFT

Following day the same individual of NIFT comes and lets us

know about the reaction of the banks on which the checks were
drawn. It likewise gives us a rundown of aggregate checks
displayed and figured it out.

Gatherings are credited.

By explanation we credit the records of those gatherings for

which the installment has been gotten and charge the client
obligation account.
Today I learnt just the same old thing new simply rehash the past
Clearing
3/08/2016 informationdue to high fever and have a little talk about NIFT
department
 That day director requests that I sit on the PC and do the passage
of every clearing check. Here is the mcbsoftware(SYMBOLS) in
the pc where there are five segments, first serial number, second
Clearing
4/08/2016 record number, third bank name implies check has a place with
departments
which bank , fourth the check number and the fifth is about the
measure of check. On that day I do every one of the passages of
neighborhood checks.

4thweek

(Clearing Department)
Activities Undertaken
Date Deptt. Activities
Today is the main day of fourth week. I learnt There are three
sorts of stamps put on the checks, one is intersection stamp
which implies check got in the branch, second is clearing stamp
which implies checks sum cleared and exchange to the next
Clearing
5/08/2016 branch. In this stamp date is likewise composed. Third stamp is
department
returned in favor of the means check support to the next branch.
Today i put stamps on the checks. watch that is Payee stamp
which implies check support to the next branch. Today i put
stamps on the checks.
I was designated to make a record of entomb city and same day
checks in the register and in the wake of recording and stamping
Clearing
6/08/2016 I have isolated the checks and slips of intercity clearing.
Department
Furthermore take in the reasons of checks returned unpaid and
how to enter them in register and sheet.
I learnt the accompanying:
Clearing
7/08/2016
department
Putting distinctive fundamental stamps on checks
  Preparing covers for entomb city cheques (city savvy)
 Preparing spread for nearby checks
 Receiving passed checks data and shamed checks from
NIFT's operators
 Attaching slips of shamed checks with them
 Informing related gatherings to shamed checks
 Giving disrespected checks to relate
Clearing Manager relegated me to call the gatherings whose
clearing
10/08/2016 checks are disrespected amid clearing. I called the gatherings
department
and advise about their check no and occasion of shame.

5thweek

(Remittances Department)
Supervisor
Signature:
Activities Undertaken
Date Deptt. Activities
On the principal day of fifth week, as I request that the
administrator change my area of expertise and work. He
proposed me operation office with Miss Sara. All the new
check books and ATM card are given by him to the client with
Operation
12/08/2016 his mark. He said me to fill the check book issued slip and
Department
ATM issued slip furthermore gets marked from the client in the
register where they have the record of all the check books and
ATM cards. I fill the structure and marked from the operations
supervisor and give the card.
On the second day of fifth week I sit on the same seat and do all
Operation the work with the check book and ATM card and fill all the
13/08/2016
Department check and ATM card issued slip with no any mix-up I get some
information about the individual's personality card to confirm
 he is the record holder or no. on that day I done my work
flawlessly.
On third day I sit in the settlements department. Where the
clients got their installments originated from external city or
from remote. The work of outside installment is a tad bit
troublesome work anybody whose relatives give installment
from the remote nations to anybody's name in the Pakistan in
any bank. So they go to the bank for the installment first we
check the installment we get is of the same name why should
here gather the installment then check the first character card
Remittances furthermore get a photograph duplicate of his ID card and
14/08/2016
department connected with the type of foreign payment, I additionally ask
to him that the amount of cash the sender is sent to you. On the
off chance that the sum and the name of the individual
coordinated then the operation director marked on the structure
and connected the photograph duplicate of ID card of that
individual and said to take the sum from the clerk , then he go
to clerk and give the structure to him he take the banks shape
and give different structures back to the client and give the
installment.
On that day I sit in the same seat in the outside installment and
fill the structure in the wake of asking to the madam that either
client installment and name exist in the product or not then get
Remittances
17/08/2016 marked with the operations administrator in the wake of
Department
checking his ID card and photograph duplicate of ID card is
likewise connected with the structure and afterward get the sum
from the clerk.
. Today Madam requesting that I fill the remote installment
Remittances
18/08/2016 structures and check book issued structure. I likewise fill every
Department
one of the structures in the operations division
 6th week

(Credit Department)
Supervisor:
Signature:

Activities Undertaken
Date Deptt. Activities
Today is the primary day of 6th week in Credit division with Sir
Credit
19/08/2016 AHMED RAZA. At that day I got a chance to take in the idea
department
of progressing, diverse sorts and system of progressing
On second day was informed that credit system contains five
stages. As a matter of first importance application is made by
clients. Second step is the budgetary stores gave by client.
Third, state bank is drawn nearer to get credit value of the
Credit
20/08/2016 client. Fourth, securities are esteemed and genuine business
Department
sector worth is judged. At last, credit authorize guidance is
issued by the bank. Around the same time I was appointed to
document the gathering astute papers of credit as indicated by
the aforementioned classifications.
Today I learnt the concept of Credit Proposal and Securities.
There are two types of securities;
 Primary
Credit  Secondary.
21/08/2016
Department Primary securities are liquid and usually in cash margin.
Secondary securities are in form of land and property.
Preparation of proposals is perhaps one of the most complicated
jobs of the credit department.
Credit I was informed that Once the bank is fulfilled by the business
24/08/2016
Department sector remaining of the borrower next comes the progression of
 how from the bank. For that reason MCB gives distinctive sorts
of offices such as:
 Long Term Facilities
 Short Term Facilities
These offices are either:
 FUNDED FACILITIES
 UNFUNDED FACILITIES
The keeping money slant these days is to back the transient
ventures as they create more income and are less unsafe. Unless
the gathering is an excessive amount of solid.
Today is the latest day of my temporary position and I met all
25/08/2016 workers of the bank and got all the best of them. Supervisor
likewise said me good luck for my future.

Financial Statements Analysis

. Monetary Investigation will be a methodology which includes reclassification and outline
from claiming data through those strong hold about proportions What's more patterns.
Monetary articulation dissection will be the procedure of looking at connections "around
monetary articulation components and settling on correlations for applicable majority of the
data. It is An profitable apparatus utilized by gurus Furthermore creditors, budgetary analysts,
also how clinched alongside their choice making procedures identified with stocks, bonds,
and other budgetary instruments. Those objective done examining fiscal explanations is
should assess previous execution Furthermore present monetary position Furthermore will
make predictions over what's to come execution of a shares of the organization. Gurus who
purchase stock are essential intrigued by a organization's productivity Furthermore their
prospects for procuring An give back once their speculation Eventually Tom's perusing
getting profits or expanding the business esteem from claiming their stock property. Lenders
Also moguls who purchase all the debt securities, for example, such that bonds, are more
intrigued by liquidity What's more solvency: the organization's short-and long-run capability
with pay its debts. Monetary analysts, who habitually practice On accompanying specific
industries, routinely survey the profitability, liquidity, What's more dissolvability of
organizations so as should aggravate proposals regarding the buy or offer of securities, for
example, such that stocks Also bonds.
Those dissection for monetary articulation alludes all the of the examination of the
proclamations for the reason for securing extra majority of the data in regards the exercises of
the business. Those clients of the budgetary majority of the data frequently all the discover
dissection alluring for those elucidation of the firm’s exercises.
Those general objective for monetary articulation examination will be the examination of a
firm’s fiscal position and returns over connection to hazard. This must make done with a see
with determining the firm’s future prospective.
Investigators could get suitable data Toward contrasting a organization's The majority late
fiscal explanations with its brings about past a considerable length of time Also for those
effects about Different organizations in the same business. Three grade sorts from claiming
monetary articulation Investigation would usually known as level analysis, verthandi
analysis, Also proportion dissection.

Ratio Analysis
Ratio analysis enables the analyst to compare items on a single financial statement or to
examine the relationships between items on two financial statements. After calculating ratios
for each year's financial data, the analyst can then examine trends for the company across
years. Since ratios adjust for size, using this analytical tool facilitates intercompany as well as
intercompany comparisons. Ratios are often classified using the following terms: profitability
ratios (also known as operating ratios), liquidity ratios, and solvency ratios. Profitability
ratios are gauges of the company's operating success for a given period of time. Liquidity
ratios are measures of the short-term ability of the company to pay its debts when they come
due and to meet unexpected needs for cash. Solvency ratios indicate the ability of the
company to meet its long-term obligations on a continuing basis and thus to survive over a
long period of time. Financial ratios allow for comparison:
• Between companies
• Between industries
• Between different time periods for one company
• Between a single company and its industry average
a) Profitability Ratios
The continued viability of any bank depends on its ability to earn an appropriate return on its
assets and capital. Good earning performance enables a bank to fund its operations, remain
competitive in the market and increase or decrease in market funds. Profitability ratios relate
profit to sales and investments. These ratios indicate the firm’s overall effectiveness of
operations and give us idea how well firm utilized its resources in generating profit and
shareholder value.
Gross Profit Margin Ratio
Gross profit margin ratio is used to assess the profitability of a Bank's core activities. Gross
profit margin indicates the relationship between gross profit and interest earned. A high gross
profit margin indicates that a Bank can make a reasonable profit.
Formula = Gross Profit / Interest earned (Revenue)

Year 2011 2012 2013 2014 2015

Ratio % 57.17 56.55 59.65 55.48 37.74

Year 2011 2012 2013 2014 2015

Analysis
The Year Ratio % 29.57 37.72 38.59 37.63 25.36 2013 has been an
outstanding year with
the bank recording the highest profit in its history i.e.., 59.65 %.The National Bank of
Pakistan’s wide range of product offering, large branch network and committed workforce
are some of fundamental strengths that enabled NBP to achieve exceptional in a very
competitive market. The gross profit is 37.74% in 2015. The lowest percentage among all
years.

Net Profit Margin Ratio

Net profit margin measures the percentage of revenue remaining after all cost and expenses,
including interest and taxes have been deducted.
Formula = Net Profit after Taxes / Interest earned
Analysis
Net profit margin shows positive trend till 2013 and was the highest in the same year as it
was 38.59%, the percentage is decreased in 2014 as it was 37.63%. The net profit margin is
on its lowest level at the end of 2015 as it indicates a percentage of 25.63%. The primary
reason of this decline is current global economic conditions and current political crisis in
Pakistan.

Assets Turnover
This ratio is useful to determine the amount of revenue that is generated from each Rupee of
assets. The Banks with low profit margins tend to have high asset turnover, those with high
profit margins have low asset turnover.
Formula = Revenue/ Total Assets
Year 2011 2012 2013 2014 2015

Ratio 0.03 0.05 0.06 0.05 0.05

Analysis
The year 2011 represents a ratio of 0.03, lowest among all years. The years 2012, 2014 and
2015 indicates almost same percentage of 0.05% on account of bank’s assets turnover. The
National Bank of Pakistan’s assets turnover in 2013 is 0.06, peak ratio among all years.

Return on Capital Fund

This ratio relates the net profits to the amount of capital funds that have been employed in
making that profit.
Formula = Net markup received / Capital Funds
Year 2011 2012 2013 2014 2015

Ratio 2.92 3.95 4.25 4.12 4.13

Analysis
The above given ratios suggest that the profitability of the bank has a mixed trend during five
years. The first three years 2011 (2.92), 2012 (3.95), 2013 (4.95) shows an increasing trend,
indicating more profitable operations of the bank. It was decreased in the year 2014 (4.12)
and has increased in 2015 as the ratio was 4.13.

Return on Investment
This ratio indicates the profit earned by the bank on the resources employed.
Formula = Net income after taxes / Total Assets
Year 2011 2012 2013 2014 2015

Ratio 0.011 0.021 0.026 0.024 0.018

Analysis
There was an increase in the utilization of the resources till 0.011(2011), 0.021 (2012) and
0.026 (2013). The ratio was decreased to 0.024 (2014) and 0.018 (2015).

Return on Deposits
This ratio indicates to what extent deposits which represent funds mobilization on the part of
the bank contribute towards income generation.
Formula = Net income before taxes / Total Deposits
Year 2011 2012 2013 2014 2015

Ratio 0.025 0.041 0.052 0.047 0.036

Analysis
During all five years the return on deposits ratio of National Bank of Pakistan shows a mix
trend. The year 2011 (0.052) was the best year for bank in terms of its funds mobilization.
Although the ratio was decreasing in 2015 (0.036), indicating Bank is more keen to kept
deposits and a change in policy of the Bank regarding its funds mobilization.
Effective Tax Rate
This ratio is a measurement of a company's tax rate, which is calculated by comparing its
income tax expense to its pretax income. This amount will often differ from the company's
stated jurisdictional rate due to many accounting factors, including foreign exchange
provisions. This effective tax rate gives a good understanding of the tax rate the company
faces.
Formula = Income Tax expense/ Pretax Income
Year 2011 2012 2013 2014 2015

Ratio % 0.48 0.33 0.35 0.32 0.32

Analysis
The effective tax rate of National Bank of Pakistan was highest in the year 2011 (0.48%).
However bank is able to reduce its tax burden because the Bank is able to adopt Tax
management techniques to lessen the tax burden. A relatively stable effective tax rate
percentage, and resulting net profit margin, would seem to indicate that the Bank's
operational managers are more responsible for a company's profitability than the company's
tax accountants.
a) Liquidity Ratios
. The liquidity position of a bank is like a reservoir. It may be adequate, although nearly
depleted, just before the start of the rainy season. Or it may be inadequate, although three
quarters full just before the summer drought.
Liquidity can be defined as:
“The bank’s ability not only to meet possible deposit withdrawals but also to provide for the
legitimate needs of the economy as well”
Current Ratio
Current ratio is a measure of the current adequacy of company's current assets to meet its
current obligations. It must be greater than 1. If it is less than 1, liabilities exceed current
assets. For every Rs.1 of liabilities, the company has a ratio amount of current assets
available. The concept behind this ratio is to ascertain whether a company's short-term assets
(cash, cash equivalents, marketable securities, receivables and inventory) are readily
available to pay off its short-term liabilities (notes payable, current portion of term debt,
payables, accrued expenses and taxes). In theory, the higher the current ratio, the better
Formula = Current Assets / Current Liabilities
Year 2011 2012 2013 2014 2015

Ratio 0.83 0.96 1.02 1.00 1.12

Analysis
The year 2011 (0.83) and 2012 (0.96) were not satisfied for bank as current assets are less
than current liabilities. However, in 2013 (1.02) the management of National Bank of
Pakistan is able to overcome this problem. The year 2014 (1.00) is also good for bank as per
standards of this ratio. Again in the year 2015 (1.12) the management of bank is able to
increase its current ratio.

Cash Ratio
This ratio shows that the cash is enough for payment of current liabilities or not. This ratio is
obtained by dividing cash by current liabilities. For a bank this is the cash held by the bank as
a proportion of deposits in the bank.
Formula = Cash / Current Liabilities
Year 2011 2012 2013 2014 2015

Ratio 4.09 2.85 2.96 3.07 2.69

Analysis
The cash ratio of National Bank of Pakistan shows a mixed trend during five years of
operations. During all years, the ratio is satisfactory as per standards of this ratio. The year
2011 (4.09), representing highest and 2012 (2.85) & 2015 (2.69), representing lowest ratio in
all five years.
Advances to Deposit Ratio
It demonstrate the degree to which bank has already used up its available resources to
accommodate the credit needs of its customers.
Formula = Advances / Total Deposits
Year 2011 2012 2013 2014 2015

Ratio% 47.42 58.01 62.99 57.56 66.08

Analysis
This ratio, a comparison of funds generation and its funds mobilization, indicates the total
loans sanctioned by the bank in relation to total amount of money deposited with the bank,
stands highest in 2015 ( 66.08%) as compared with the previous year figures. This shows that
the bank has greater potential to advance additional loans. During all other years the ratio is
quiet satisfactory representing National Bank of Pakistan’s credit management decisions.

Due from Banks to Total Assets

It is an indication of Bank’s funds management policies.
Formula = Due from banks / Total Assets
Year 2011 2012 2013 2014 2015

Ratio 0.019 0.028 0.036 0.028 0.021

Analysis
The National Bank of Pakistan’s due from banks to total assets ratio is fluctuating and
indicates a mixed trend during all years. The ratio is 0.019 in 2011and 0.028 in the year 2012.
The year 2013 represents highest ratio of 0.036 among all years. There was a decrease in ratio
at the end of financial year 2014 that is 0.028. The year 2015 represents a decrease in ratio
(0.021) on account of due from banks to total assets.
Due to Banks to Total Deposits
This ratio is an indicative of the proportion of the lending from the financial institutions in
relation to the total funds raised by the bank in the form of deposits.
Formula = Due to banks / Total Deposits
Year 2011 2012 2013 2014 2015

Ratio 0.024 0.019 0.023 0.018 0.065

Analysis
The due to banks to total deposits ratio of National Bank of Pakistan is fluctuating and
indicates a mixed trend during all years. The ratio is 0.024 in 2011 and decreased to 0.019 in
2012. The ratio is increased in 2013 as the ratio is 0.023. The year 2014 represents the lowest
percentage of 0.018 and the year 2015 represents the peak percentage of 0.065.

b) Debt Ratios
These ratios give users a general idea of the company's overall debt load as well as its mix of
equity and debt. Debt ratios can be used to determine the overall level of financial risk a
company and its shareholders face. In general, the greater the amount of debt held by a
company the greater the financial risk of bankruptcy.

The Debt to Equity Ratio

The debt-equity ratio compares a company's total liabilities to its total shareholders' equity.
This is a measurement of how much suppliers, lenders, creditors and obligors have
committed to the company versus what the shareholders have committed.
To a large degree, the debt-equity ratio provides another vantage point on a company's
leverage position, in this case, comparing total liabilities to shareholders' equity, as opposed
to total assets in the debt ratio. Similar to the debt ratio, a lower the percentage means that a
company is using less leverage and has a stronger equity position.
Formula = Total Liabilities/ Total Shareholder’s equity
Year 2011 2012 2013 2014 2015

Ratio 112.35 97.77 89.57 93.47 91.17

Analysis
The debt to equity ratio of National Bank of Pakistan shows a ratio of 112.35 % in 2011. The
ratio is decreased to 97.77% in the year 2012. The ratio is further decreased in 2013 as it
shows a percentage of 89.57%. There was an increase in the ratio as it shows a percentage of
93.47%. The year 2015 represents the ratio of 91.17% .

Interest Coverage Ratio

It shows whether the bank is earning enough profit before mark up charges to be paid to the
financiers and the taxation obligations due to the government in order to remain solvent. The
interest coverage ratio is used to determine how easily a company can pay interest expenses
on outstanding debt. The ratio is calculated by dividing a company's earnings before interest
and taxes (EBIT) by the company's interest expenses for the same period. The lower the ratio,
the more the company is burdened by debt expense. When a company's interest coverage
ratio is only 1.5 or lower, its ability to meet interest expenses may be questionable.
Formula = Earnings before interest & Taxes / Interest expense
Year 2011 2012 2013 2014 2015

Ratio 1.83 1.85 1.89 1.66 0.97

times times times times Times

Analysis
The amount of interest a Bank pays in relation to its revenue and earnings is tremendously
important. The National Bank of Pakistan’s interest coverage ratio is 1.83 times in the year
2011. The ratio was increased in the years 2012 and 2013 as it was 1.85 times & 1.89 times
respectively. There sudden decrease of 1.66 times is observed in 2014. The ratio is further
decrease to 0.97 times in 2015, representing the lowest ratio among all years.
Operating Performance Ratios
Each of these ratios have differing inputs and measure different segments of a company's
overall operational performance, but the ratios do give users insight into the company's
performance and management during the period being measured.
These ratios look at how well a company turns its assets into revenue as well as how
efficiently a company converts its sales into cash. Basically, these ratios look at how
efficiently and effectively a company is using its resources to generate sales and increase
shareholder value. In general, the better these ratios are, the better it is for shareholders.
In this section, we'll look at the fixed-asset turnover ratio and the sales/revenue per employee
ratio, which look at how well the company uses its fixed assets and employees to generate
sales.

Fixed Assets Turnover

This ratio is a rough measure of the productivity of a company's fixed assets (property, plant
and equipment etc) with respect to generating revenue. For most companies, their investment
in fixed assets represents the single largest component of their total assets. This annual
turnover ratio is designed to reflect a company's efficiency in managing these significant
assets.
Formula = Revenue/ Operating Fixed Assets
Year 2011 2012 2013 2014 2015

Ratio % 2.28 3.23 4.13 1.64 1.76

Analysis
The fixed assets turnover ratio of National Bank of Pakistan has an increasing trend till 2011.
The ratio increases 2.28 (2011) to 3.23 (2012). The year 2013 represents highest fixed assets
turnover ratio for National Bank of Pakistan i.e.., 4.13. The bank’s efficiency to utilize these
assets has been decreased to 1.64 in the year 2014 however it was increased in 2015 as the
ratio is 1.76.

Sales or Revenue Per Employee

As a gauge of personnel productivity, this indicator simply measures the amount of Rupees
sales or revenue, generated per employee. The higher the Rupee figures the better.
Formula = Revenue/ Number of Employees
Year 2011 2012 2013 2014 2015

Ratio 1274.85 1858.87 2431.38 2583.94 2587.08

Analysis
The ratio has been showing an increasing trend till .1274.85 (2011), 1858.87 (2012), 2431.38
(2013) and 2583.94 (2014). There was a marginal increase in the year in the year 2015,
2587.08, representing the peak percentage in all years..

Accomplishments

• Online installment through money and check.

• Opening a record with bank
• Filling of the money store slips
• way to fill the check store slips
• How to fill online structures
• Way to get ready Pay Order and its charges
• get ready Demand Draft and its charges
• Clearing of the checks
• Various sorts of checks for clearing
• Experience to enter checks in programming
• Way of Stamping of checks
• To tell the equalization of the client
• Filling of Cheque book issued slip
• How can fill outside installment structure
• How to clear external city and same day checks
• Local Clearing
• Intercity Clearing
• Credit and related ideas
• Remittance
• For ex managing
• Scanning and get ready of various authority letters.

Duties Assigned To Me

My obligations as an understudy internee were numerous, for example,

• How to give the compelling administrations to the clients.
• How to associate with the clients as it will manufacture trust in e and help me in
future life when I will enter in business sector.
• To offer appreciation to clients and in addition representatives.
• To complete my work on the regular routine.
• Listen and take after to the seniors.
• Fill various different structures in the fitting conduct.
• Those are a few obligations which I have done amid my entry level position. That was
a decent affair to me through which i know the down to earth work is fundamentally diverse
then the erudite learning.

How Internship Experience Impact your Career

• I know how to manage the clients that will the prerequisite of my future employment
in business sector.

• I like wise know how to manage different workers in the association

• I was likewise effective in growing a new ability which is required for the pragmatic
life.

• From entry level position I know how I can accomplish the indistinguishable status in
the association.

• Due to entry level position I can undoubtedly offer myself for an occupation since
now a day's any organization first see the involvement in a meeting
 Influence on Future Plan

Because of entry level position I am ready to break down the overarching circumstances in
the business sector. I have understood that landing position in the business sector is less
simple but rather more there are bunches of competitors in the business sector which have
practically same training level. In this circumstance I ought to attempt to create something
extraordinary and unique in relation to others which make me appealing to the business sector
for contracting on a vocation in ideal way.

I have confronted a few issues in getting temporary position because of no opportunity

accessible in banks. As there are bunches of competitors which are much more noteworthy
than the limit of bank. As my future arrangement is to go in managing an account area so it is
an exceedingly productive affair for me to do temporary job in bank furthermore in the
principle branch of one of the most seasoned bank in Pakistan. I attempted to fabricated and
upgrade my energy of correspondence and level of mechanical learning. I think the individual
who need to work with bank ought to enhance its mechanical and correspondence force and
aptitudes as I found in bank for the most part undertakings are finished with the assistance of
mechanized delicate products.
 SWOT ANALYSIS

Strengths

National Bank the Nation's Bank

State Bank of Pakistan is government claimed bank that is the reason Pakistani country has a
trust on the bank that their stores are secured. Because of this reason the stores of the banks
are expanding with the progression of time.

Operators of State Bank of Pakistan

National Bank of Pakistan likewise acts as specialists of State bank of Pakistan in those urban
communities where SBP branches are not working.

Organization Arrangements

National Bank of Pakistan is getting a charge out of with store of various Govt. associations
like Pakistan Railways, PIA, WAPDA, Sui-gas because of office courses of action.

Stores

National bank of Pakistan is the biggest business bank of the nation and has Total Deposits of
Rs. 362.87 billion and turns into the principal bank to cross the store of Rs. 350 billion.

Productivity

The pre-charge benefits of NBP have gone up to Rs. 6.05 billion.

Weakness

Absence of Implementation of Rules and Regulations

Since NBP is a govt. claimed association so there is an absence of usage of principles and
regulations.

Poor Working Conditions

Regardless of, social change program the working state of the NBP is not up to standard.

Enlistment Policy
In NBP, representatives are enlisted on the premise of preference or through different
apparatuses of defilement.

Inconsistencies in Promotion

In NBP there is no smooth and nonstop advancement framework. Uncalled for means are
utilized as a part of request to get the advancement particularly the advancement of the
administrators.

Singular Difference

In NBP the individual distinction have solid effect on the association's execution because of
the wrong criteria of choice of the representative. So with the progression of time individual
contrasts are expanding which are undermining the cooperative attitude of the association.

No Major Use of Computer

In NBP there is no real utilization of PC for keeping up the records of branches when
contrasted with different banks of the nation.

Opportunities

Shopper Banking

The premise need of the shopper, for example, lodging, transportation and other tough
products are not satisfactorily financed by the banks. So by starting these administrations, the
bank can appreciate with more supports.
Putting resources into the Foreign Capital Market

NBP can appreciate nice investing so as to look give back its financing base in capital
markets in the remote nations

Wander saving money

Likewise from claiming not long agnus dei those bank saw as absolutely benefits of the
business overseeing an account component thereabouts keeping to mind the limit objective
will augment its business those bank may start hypothesis Contributing thus Likewise with
spare cash in the course of action from claiming incredible gazing profit.

New limbs NBP Eventually Tom's perusing fabricating dependent upon new limbs
Previously, outside countries could develop its business Furthermore could like with the
profit.

Issuance of bonds To like with limitless sum, NBP might exhibit an exhaustive extent for
bonds.

Night saving money

In any case of poor customer organization of NBP, people at present arrive at NBP Likewise
an aftereffect about its Govt. Proprietorship as they feel it secure in this way bank improve its
store Toward giving office about night sparing cash Besides can wood fight its rivals for sure
steps.

Dangers

Contention From claiming banks for pakistan is stretching with the progression from
claiming period. Along these lines due to poor attempting state and poor customer
organization it may be possible NBP will lose its bit of the pie to future.
Swelling

Clinched alongside our nation, the rate for swelling may be growing nearby those
unemployment. Something like that due to the extension over cosset of the items, the trusts of
the nation over may be decreasing with the progression for duration of the time. Something
like that it may be those danger to those overseeing an account fragment. After the fact on,
those saves of the bank will decrease.

Administration approach

Looking into NBP Govt. Methodologies bring robust impact. A slight transform On Govt.
Game plans could impact those execution of the bank. The bank necessities to fill in inside of
the regulation packaging worth of effort.

Conclusion
Banks are assuming a critical part in the monetary development. NBP most likely is a
positive donor in this admiration however there are sure focuses by receiving which it can
serve all the more productively and adequately.
The National Bank of Pakistan plays a key role in the strategic national development. The
bank has historically been the financial arm of the government and has enjoyed the blessings
of state support in the form of huge public sector funds and deposits.

In contract to other banks populating the FSI sector, NBP is mandated to uphold public
interest. It is critical too as all other banks and NBFIs in public sector have been closed down
or merged with NBP.

In contract to other banks populating the FSI sector, NBP is mandated to uphold public
interest. It is critical too as all other banks and NBFIs in public sector have been closed down
or merged with NBP.

The current management of National Bank of Pakistan was hired purely for their international
experience, business orientation to turn around a purely public institution into a sustainable
and commercially viable bank serving public interest along the lines of a large modern
commercial bank.
The National Bank of Pakistan has effective budgeting system in place. Annual budget of the
bank is approved by the Board and monthly comparisons of actual results with the budget are
prepared and reviewed by the senior management.

The National Bank of Pakistan has a comprehensive framework of written policies and
procedures on all major areas of operations such as Credit, Treasury Operations, Finance,
Internal audit and Compliance approved by the Board.

The National Bank of Pakistan provides sustainable financing for growth of industries of
critical national importance such as energy, education, healthcare, transport, shipping,
Research & development.

Proposals
.
Real arranging. Bank ought should settle on an plan will furnish its recovery endeavors once
war harmony What's more redo those recovery ability of overall bases. Furthermore, bank
ought should fare thee well about control once utilization.
Use about machines. Should save those season of the customers and separate customers, bank
ought will grasp electronic structure to accounting Also different filling frameworks. It will
stretch the viability of the bank. I understand that there would exactly limbs which are
automated however an extensive part of the limbs in distinctive urban ranges of the country
are not modernized. So the bank ought should mechanize all its limbs in the country.
Proposals. • the national bank about pakistan ought further bolstering a chance to be fully
arranged Previously, its oversaw economy about monetary crises Furthermore its business
coherence planning, inside the standing board framework, Furthermore ought to fill in with
others on fortify national crises management arrangements.
• The bank if move forward the personal satisfaction of preparation from claiming its workers
and the integrity, controls and effectiveness of its systems, techniques What's more fiscal
reporting weight.
• The bank if enhance its recruitment, maintenance and advancement Also to change those
Bank’s benefits plan.
• those bank ought further bolstering renegotiate those Bank’s long expression monetary
schema What's more on redesign the Bank’s fiscal framework.
• The bank ought to move forward it ability in the explanatory ranges and to create a medium
term methodology to saving money What's more business operations.
• The national bank about pakistan if screen those effect for its operations on the
environment, which is mostly through the utilization from claiming control and the era from
claiming waste.
•NBP, being the best giving arm of the administration to general population segment
improvemen if design, create What's more convey result Also administrations to monetary
development.
the bank ought further bolstering give backing of the Micro, little and medium ventures
thereby diminishing unemployment Furthermore making a difference should make An a
greater amount fair dissemination about riches.
the NBP if receive cutting edge saving money devices Also systems. Nature leadership,
reasonable vision, venture for it foundation Furthermore human asset advancement.
• Those bank if create programming for benefits payment.
• With respect to Similarly as islamic saving money nature's domain is worried those oversaw
economy Also representatives about NBP ought worth of effort together to fundamental
investigate for finding their laws, Creating hypotheses alternately ideas to those superior
course of their own business earth as stated by Quran & sunnah. • the limbs if diminish its
expansive costs in place on increment the quality of the bank.
• The NBP ought further bolstering fortify incentives What's more quicken a results-oriented
preparing and interchanges projects for administration and disappointments and outrage on
his/her staff.
those national bank from claiming pakistan ought actualize all the An budgetary
consideration system on help the needs for underserved financial subsectors, including
outreach projects on help the prerequisites of the agriculture, housing, SME and microfinance
parts.
 References;
http://www.nbp.com.pk/EcomomicBulletin/FS-Complete-31-12-2014.pdf
NBP Quarterly Report September 2010
http://www.nbp.com.pk/nbp/About_Us/About_US.jsp
NBP Quarterly Report September 2010
http://www.nbp.com.pk/nbp/About_Us/About_US.jsp
Black's Law Dictionary page 471 (5th ed)
Kotler, P., Armstrong, G., Brown, L., and Adam, S. (2006) Marketing, 7th Ed.
Principles of marketing 8 ED by Kotler & Armstrong G7
http://www.nbp.com.pk/nbp/NBP_Treasury.jsp
http://www.nbp.com.pk/nbp/Treasury_Products.jsp
http://www.nbp.com.pk/nbp/About_Us/DReport3.jsp
http://www.nbp.com.pk/nbp/About_Us/DReport3.jsp
NBP Annual Report 2007
Terry and Franklin Principles of Management
Management 7 Ed Robbins & coulter
Human error by James Reason
http://www.jcrvis.com.pk
http://www.jcrvis.com.pk/ratingscale/rating_process.htm